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Regular Contributor
Posts: 184
Registered: ‎02-05-2012
0

Amazon card or stay in the garden

Hello  everyone, I'm trying to stay away from having anymore Inquiries, I've gotten 3 this year with their one year anniversaries being on feb, march, April of 2013. I'm currently shopping for textbooks for school on amazon and their offering a nice credit card with nice rewards and an automatic credit of $30.00 my textbooks are costing me $$$ so, I was wondering if the inquiry would be worth it. Thank you 

 

Current: TU 753 EQ 755 EX 753 (GE credit pull)
Goal 800+
WHAT'S IN MY WALLET: Chase freedom 4,800 /Discover IT 3,000/ Zales 6,000/Care credit 10,000 / kohls 1,500/ LensCrafters 2,400/Capital1 platinum 1,000
Valued Contributor
Posts: 1,540
Registered: ‎01-29-2008
0

Re: Amazon card or stay in the garden

I do not know how much further you have to go with your education to earn your degree but if I was in your situation and school books are at a decent price at amazon and you will have to continue to buy school books in the future I would try to get their card as your credit scores are decent enough to where you should get approved and can save some money as well,  I would not worry about the inquiry too much it only counts for 1 year of any hit on your credit report.  Good Luck if you decide to do this.


Starting Score: EQ 546 TU 566
Current Score: EQ 693TU 08 729 EX 08 738Need to Garden/New Accounts
Goal Score: 800
Epic Contributor
Posts: 23,723
Registered: ‎10-23-2007
0

Re: Amazon card or stay in the garden

Store Card  by GE Bank or Visa by Chase?

 

I know of the $30 for the Visa...

 

The good thing for the store card is 6+ months that they offer 0% sometimes.

Fico Scores: EQ- 662., TU 684 Barclay, EX 700 (3/21/15)

You will have to put up Electric Fence to keep me in the garden!
Highest Limit: Navy Federal Cash Sigi Visa $50k (AU)
Lowest Limit: Target $200
72 Cards and Counting :smileytongue:
Regular Contributor
Posts: 184
Registered: ‎02-05-2012
0

Re: Amazon card or stay in the garden

The visa

Current: TU 753 EQ 755 EX 753 (GE credit pull)
Goal 800+
WHAT'S IN MY WALLET: Chase freedom 4,800 /Discover IT 3,000/ Zales 6,000/Care credit 10,000 / kohls 1,500/ LensCrafters 2,400/Capital1 platinum 1,000
Valued Contributor
Posts: 1,540
Registered: ‎01-29-2008
0

Re: Amazon card or stay in the garden

[ Edited ]

Just to let you know  I applied for the holidays and was approved last Friday for the Amazon visa card from chase with a $5,000.00 cl ex report was pulled with 5 inquiries with already having 2 chase accounts, you should have a good chance since you already have a chase account and have a relationship with them already.


Starting Score: EQ 546 TU 566
Current Score: EQ 693TU 08 729 EX 08 738Need to Garden/New Accounts
Goal Score: 800
Frequent Contributor
Posts: 384
Registered: ‎02-06-2009
0

Re: Amazon card or stay in the garden


:heart: my Chase Amazon Signature VISA! I shop a LOT at Amazon and I eat out a lot (2x points at restaurants), so this is my main card now. I say Go For It!

 


11/02/2012 Peak - EQ 790 (ScoreWatch EQ FICO)
01/06/2015 Current - TU 831 (Walmart MasterCard TU FICO 08 Classic)
GOAL - 800! - App free since 09/07/2014
Frequent Contributor
Posts: 296
Registered: ‎08-28-2012
0

Re: Amazon card or stay in the garden

3 inquiries isn't too bad.  I say go for it.  I've heard great things about the card, and I wanted it for the longest time, but right now my Citi Forward gives me 5x points on Amazon, and Discover gives me 5% throughout December.

AMEX BCE, Discover IT, Citi Forward, BoA Travel Rewards
FICO: TU 795 Last App: November 2012
Frequent Contributor
Posts: 384
Registered: ‎02-06-2009
0

Re: Amazon card or stay in the garden


sakhalin070 wrote:

my Citi Forward gives me 5x points on Amazon


I didn't know that. Have you tested it out? Like, if you buy a $2000 digital SLR from Amazon, will you get 10,000 Thank You points?


11/02/2012 Peak - EQ 790 (ScoreWatch EQ FICO)
01/06/2015 Current - TU 831 (Walmart MasterCard TU FICO 08 Classic)
GOAL - 800! - App free since 09/07/2014
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